Defer to Close Roofing for Real Estate Transactions
Ja-Mar Roofing & Sheet Metal offers a Defer to Close payment option for qualifying real estate transactions where the roof needs to be replaced before the property closes. Upon approval and subject to the program terms, the roof can be completed without an immediate out-of-pocket payment and Ja-Mar can be paid directly through the title company at closing.
The program can be used in two common situations: before a property is listed for sale or during the option period after a roofing issue is discovered. It gives sellers, buyers, and real estate professionals another way to address the roof without waiting until after closing to complete the work.
How the Defer to Close Roofing Option Works
The purpose of the program is simple: allow an approved roofing project to move forward before closing while arranging payment through the real estate transaction instead of requiring immediate payment when the roof is completed.
Pre-Listing or During the Option Period
The Defer to Close program can be used at different points in the sale process. The requirements and timing are different depending on whether the home is still being prepared for market or already under contract.
Replace the Roof Before the Home Goes to Market
Upon approval, the pre-listing option allows Ja-Mar to replace the roof before the property closes without requiring the owner to pay the roofing invoice immediately. This can allow the seller to market the property with a new roof already installed.
The owner has up to 90 days from the roof completion date to market the home and secure a closing date. If the property does not close within that 90-day period, the owner becomes responsible for payment in full. Pre-approval for financing is required for the Pre-Listing Payment Option.
Address a Roof Issue After the Property Is Under Contract
If a roofing issue is discovered during the option period, Ja-Mar can work with the buyer, seller, and real estate professionals to complete the approved roofing work before closing.
For this option, Ja-Mar must be listed in the addendum as the designated roofing contractor. The roof replacement is scheduled after the real estate contract has gone hard and within 30 days of the closing date.
What Happens Before Ja-Mar Can Defer Payment to Closing?
Because payment is tied to a real estate closing, Ja-Mar needs the roofing agreement and transaction details in place before the project is scheduled under the program.
Confirm the Roofing Scope
Ja-Mar evaluates the roof and prepares the roofing scope and contract for the work that needs to be completed.
Confirm Program Eligibility
The transaction is reviewed to determine whether it meets the applicable Defer to Close requirements for the pre-listing or option-period program.
Provide Closing Information
Ja-Mar receives the title company, closing contact, realtor information, and scheduled closing date needed to coordinate payment.
Complete the Approved Roof Work
The roofing project is scheduled according to the transaction timeline and the requirements of the selected Defer to Close option.
Payment Is Made at Closing
Under the approved agreement, Ja-Mar is paid directly through title on the scheduled closing date.
Information & Conditions Required for Defer to Close
The following requirements come from Ja-Mar’s current Defer to Close terms. Additional conditions may apply depending on the transaction and selected payment option.
Pre-Listing Timing
The owner has up to 90 days from roof completion to market the home and secure a closing date. If the home does not close within that period, payment becomes due in full. Pre-approval for financing is required for the Pre-Listing Payment Option.
Option-Period Contractor Designation
Ja-Mar must be listed in the addendum as the designated contractor performing the roofing work. Roof replacement is scheduled after the contract has gone hard and within 30 days of closing.
Signed Roofing Contract
The owner or owners of the home must sign the roofing contract. When there are multiple legal owners, the required owners must sign the agreement.
Title Company Information
Ja-Mar needs the name and address of the title company handling the real estate closing.
Closing Contact
Provide the name and contact information for the closing attorney, escrow officer, or closing agent handling the transaction.
Realtor Contact Information
Provide the name and contact information for the real estate professionals involved in the sale.
Scheduled Closing Date
Ja-Mar needs the expected closing date so the roofing schedule and title payment can be coordinated with the transaction.
Why Real Estate Professionals Trust Ja-Mar When a Roof Can Affect the Closing
Joe Williams does more than explain how the Defer to Close program works. He also shares why he trusts Ja-Mar Roofing & Sheet Metal when a roofing issue becomes part of a real estate transaction. That perspective matters because the roof is only one piece of the deal — communication, timing, follow-through, and confidence in the contractor can matter just as much when everyone is working toward closing.
For realtors, buyers, and sellers, the video offers both a practical explanation of Defer to Close and a firsthand look at the kind of trust Ja-Mar has built with real estate professionals who need roofing work handled without creating another problem in the transaction.
Defer to Close Roofing FAQs
Answers to common questions about using Ja-Mar’s Defer to Close payment option during a real estate transaction.
Does Defer to Close mean the roof is free until the property sells?
No. Defer to Close delays payment under an approved agreement; it does not eliminate the roofing cost. For the pre-listing option, if the home does not close within the allowed 90-day period, the owner is responsible for payment in full.
Can the program be used before a home is listed?
Yes, upon approval. The pre-listing option allows the roof to be replaced before closing while giving the owner up to 90 days from completion to market the property and secure a closing date. Pre-approval for financing is required.
Can Defer to Close be used after a roofing problem is found during the option period?
Yes, when the transaction meets the program requirements. Ja-Mar must be designated in the addendum as the roofing contractor, and the roof replacement is scheduled after the contract has gone hard and within 30 days of the closing date.
Who pays Ja-Mar at closing?
Under the approved Defer to Close agreement, Ja-Mar is paid directly through the title company on the closing date.
What happens to the roofing warranties when the home sells?
Applicable Ja-Mar roofing warranties can be registered or transferred to the new owner at closing according to the terms of the specific warranty provided with the project.
Have a Real Estate Transaction With a Roof Issue?
Tell Ja-Mar where the transaction stands and what is happening with the roof. We can review the roofing need and explain whether the Defer to Close option may fit the sale.
